PNB Housing Finance Ltd Stock Price Today (NSE: PNBHOUSING)
Fundamental Score
PNB Housing Finance Ltd Share Price Live NSE/BSE & Institutional Fundamental Analysis
PNB Housing Finance Ltd share price today is ₹863.65, up +0.00% on NSE/BSE as of 17 February 2026. PNB Housing Finance Ltd (PNBHOUSING) is a Large-cap company in the Housing Finance Company sector with a market capitalisation of ₹23.67K (Cr). The 52-week high for PNBHOUSING share price is ₹N/A and the 52-week low is ₹N/A. At a P/E ratio of 10.77x, PNBHOUSING is currently trading below its industry average P/E of 18.03x. The company has a Return on Equity (ROE) of 12.27% and a debt-to-equity ratio of 3.62.
PNB Housing Finance Ltd Share Price Chart — NSE/BSE Historical Performance
Returns & Performance
ROE
ROCE
OPM (5Y)
Div Yield
PNB Housing Finance Ltd Valuation Check
P/E Ratio
Industry P/E
Market Cap
Growth Engine
Profit Growth (Q)
Sales Growth (Q)
Sales Growth (5Y)
EPS Growth (5Y)
Profit Growth (5Y)
Balance Sheet Health
Debt to Equity
Int. Coverage
Free Cash Flow (5Y)
Shareholding
Promoter
FII
DII
Pledged
Institutional Deep-Dive
Bull Run Research Hub
PNB Housing Finance Share Price: A ROCE-Focused Analysis
The housing finance industry, traditionally reliant on stable interest rate environments, is currently navigating a period of fluctuating rates and evolving credit risk profiles. This necessitates a sharp focus on capital efficiency, making Return on Capital Employed (ROCE) a critical metric for assessing long-term viability. This analysis delves into the implications of PNB Housing Finance's ROCE. Currently, the PNB Housing Finance share price stands at ₹849.25, with a Price-to-Earnings (PE) ratio of 10.77 and a ROCE of 9.46%.
A ROCE of 9.46% indicates the company's efficiency in generating profits from its deployed capital. While seemingly reasonable, it's crucial to compare this figure against its peers, such as GIC Housing Finance Ltd.
GIC Housing Finance Ltd The difference in management quality between PNB Housing Finance and peers is a factor investors need to consider. Management quality is crucial when judging capital allocation decisions and their subsequent impact on ROCE. A superior management team may be able to navigate challenging market conditions more effectively, leading to improved ROCE figures over time.The 9.46% ROCE has implications for PNB Housing Finance's economic moat. A higher ROCE suggests a stronger competitive advantage, as it indicates the company's ability to generate superior returns compared to its cost of capital. This can be driven by factors such as brand reputation, specialized expertise, or efficient operations. In contrast, a relatively lower ROCE could indicate a weaker moat and greater vulnerability to competitive pressures. It means that the company's pricing power might be restricted and new entrants could replicate the firm's business model with ease. This, in turn, affects the attractiveness of PNB Housing Finance share price to long-term investors.
This analysis is part of a comprehensive 80-parameter fundamental audit verified by Sweta Mishra, focusing on ROCE efficiency and its impact on the company's financial health. The current ROCE needs to be observed in conjunction with other factors such as asset quality, cost of funds, and regulatory changes to get a complete picture. It is critical for investors to analyze these variables when making informed decisions.
Disclaimer: This analysis is for informational purposes only and should not be considered investment advice. The author is not a SEBI registered investment advisor. Investment decisions should be based on thorough research and consultation with a qualified financial advisor.
Labels (e.g., "Excellent", "Good") are peer-based vs industry/sector averages — data-only, not advice
PNB Housing Finance Ltd Fundamental Analysis & Valuation Benchmarking
Educational evaluation of PNBHOUSING across key market metrics for learning purposes.
Positive Indicators
8 factors identified
Strong Operating Margins (86.62%)
Observation: Healthy 5-year operating margins indicate pricing power and cost control.
Analysis: OPM >15% suggests operational efficiency and competitive advantages.
Attractive Valuation (P/E: 10.77 vs Industry: 18.03)
Observation: Trading at discount to industry peers.
Analysis: P/E below industry average may present value opportunity.
Robust Profit Growth (32.82%)
Observation: Strong year-over-year profit expansion demonstrates business momentum.
Analysis: Profit growth >20% indicates effective execution and market opportunity capture.
Strong Revenue Growth (16.08%)
Observation: Healthy sales growth indicates market demand and execution capability.
Analysis: Revenue growth >15% suggests strong market position and growth potential.
Excellent EPS Growth (23.21% CAGR)
Observation: Outstanding 5-year earnings per share compound growth.
Analysis: EPS CAGR >15% indicates strong wealth creation potential.
Strong Profit Growth Track Record (23.34% CAGR)
Observation: Consistent 5-year profit compound annual growth rate.
Analysis: Profit CAGR >15% demonstrates scalable business model.
Strong Institutional Confidence (FII+DII: 59.29%)
Observation: Significant professional investor participation.
Analysis: High institutional holding often signals thorough due diligence.
Zero Share Pledging Risk
Observation: No promoter shares pledged as collateral.
Analysis: Absence of share pledging eliminates potential forced-selling pressure.
Risk Factors
6 factors identified
Suboptimal ROCE (9.46%)
Observation: Returns on capital employed are below expectations.
Analysis: ROCE <10% suggests potential inefficiencies in capital allocation.
Limited Growth History (-2.03% CAGR)
Observation: Below-average 5-year sales growth trajectory.
Analysis: Low sales CAGR may indicate mature markets or limited growth opportunities.
Elevated Debt Levels (D/E: 3.62)
Observation: High leverage increases financial risk and interest burden.
Analysis: High debt-to-equity ratios require monitoring of debt servicing capability.
Weak Interest Coverage (1.58x)
Observation: Limited ability to service debt obligations from earnings.
Analysis: Low interest coverage raises concerns about financial stability.
Negative Free Cash Flow (₹-1709.10 Cr over 5Y)
Observation: Cash outflows exceed inflows.
Analysis: Negative FCF requires analysis of capital expenditure cycle.
Low Promoter Commitment (28.04%)
Observation: Reduced promoter stake may indicate limited confidence.
Analysis: Low promoter holding may raise questions about management commitment.
PNB Housing Finance Ltd Financial Statements
Comprehensive financial data for PNB Housing Finance Ltd including income statement, balance sheet and cash flow
About PNBHOUSING (PNB Housing Finance Ltd)
PNB Housing Finance Ltd (PNBHOUSING) is listed on the National Stock Exchange (NSE) and Bombay Stock Exchange (BSE) of India. The company operates in the Housing Finance Company sector with a current market capitalisation of ₹23.67K (Cr). PNB Housing Finance Ltd has delivered a Return on Equity (ROE) of 12.27% and a ROCE of 9.46%. The debt-to-equity ratio stands at 3.62, reflecting the company's capital structure. Investors tracking PNBHOUSING share price can monitor key metrics including P/E ratio, promoter holding of 28.04%, and quarterly earnings growth.
Company Details
Key Leadership
Corporate Events
Latest News
PNBHOUSING Share Price: Frequently Asked Questions
What is the current share price of PNB Housing Finance Ltd (PNBHOUSING)?
As of 17 Feb 2026, 10:18 am IST, PNB Housing Finance Ltd share price is ₹863.65. The PNBHOUSING stock has a market capitalisation of ₹23.67K (Cr) on NSE/BSE.
Is PNBHOUSING share price Overvalued or Undervalued?
PNBHOUSING share price is currently trading at a P/E ratio of 10.77x, compared to the industry average of 18.03x. Based on this relative valuation, the PNB Housing Finance Ltd stock appears to be Undervalued against its sector peers.
What is the 52-week high and low of PNBHOUSING share price?
The 52-week high of PNBHOUSING share price is ₹N/A and the 52-week low is ₹N/A.
What factors affect the PNB Housing Finance Ltd share price?
Key factors influencing PNBHOUSING share price include quarterly earnings growth (Sales Growth: 16.08%), raw material costs, government infrastructure spending, and institutional flows (FII/DII holding).
Is PNB Housing Finance Ltd a good stock for long-term investment?
PNB Housing Finance Ltd shows a 5-year Profit Growth of 23.34% and an ROE of 12.27%. Long-term investors should consider these fundamentals alongside the debt-to-equity ratio of 3.62 before investing in PNBHOUSING shares.
How does PNB Housing Finance Ltd compare with its industry peers?
PNB Housing Finance Ltd competes with major peers in the Housing Finance Company. Investors should compare PNBHOUSING share price P/E of 10.77x and ROE of 12.27% against the industry averages to determine competitive standing.
What is the P/E ratio of PNBHOUSING and what does it mean?
PNBHOUSING share price has a P/E ratio of 10.77x compared to the industry average of 18.03x. Investors pay ₹11 for every ₹1 of annual earnings.
How is PNBHOUSING performing according to Bull Run's analysis?
PNBHOUSING has a Bull Run fundamental score of 44.1/100, indicating concerns requiring careful analysis. This comprehensive rating is based on 15+ financial parameters.
What sector and industry does PNBHOUSING belong to?
PNBHOUSING operates in the Housing Finance Company industry. This classification helps understand the competitive landscape and sector-specific trends affecting PNB Housing Finance Ltd share price.
What is Return on Equity (ROE) and why is it important for PNBHOUSING?
PNBHOUSING has an ROE of 12.27%, which shows decent profitability but room for improvement. ROE measures how efficiently PNB Housing Finance Ltd generates profits from shareholders capital.
How is PNBHOUSING debt-to-equity ratio and what does it indicate?
PNBHOUSING has a debt-to-equity ratio of 3.62, which indicates high leverage that increases financial risk.
What is PNBHOUSING dividend yield and is it a good dividend stock?
PNBHOUSING offers a dividend yield of 0.55%, meaning you receive ₹0.55 annual dividend for every ₹100 invested in PNB Housing Finance Ltd shares.
How has PNBHOUSING share price grown over the past 5 years?
PNBHOUSING has achieved 5-year growth rates of: Sales Growth -2.03%, Profit Growth 23.34%, and EPS Growth 23.21%.
What is the promoter holding in PNBHOUSING and why does it matter?
Promoters hold 28.04% of PNBHOUSING shares, with 0.00% pledged. High promoter holding often indicates strong management confidence in PNB Housing Finance Ltd.
What is PNBHOUSING market capitalisation category?
PNBHOUSING has a market capitalisation of ₹23670 crores, placing it in the Large-cap category.
How volatile is PNBHOUSING stock?
PNBHOUSING has a beta of N/A. A beta > 1 suggests the PNB Housing Finance Ltd stock is more volatile than the market, while a beta < 1 suggests it is less volatile.
What is PNBHOUSING operating profit margin trend?
PNBHOUSING has a 5-year average Operating Profit Margin (OPM) of 86.62%, indicating the company's operational efficiency.
How is PNBHOUSING quarterly performance?
Recent quarterly performance shows PNB Housing Finance Ltd YoY Sales Growth of 16.08% and YoY Profit Growth of 32.82%.
What is the institutional holding pattern in PNBHOUSING?
PNBHOUSING has FII holding of 18.61% and DII holding of 40.68%. Significant institutional holding often suggests professional confidence in the PNB Housing Finance Ltd stock.